Date Received: 2022-10-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I did not authorize the company to rerun my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19132
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I XXXX XXXX am making this complaint against US Bank National Association for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. I XXXX XXXX XXXX a natural person, consumer am aware that my consumer report is being used to conspire against my lawful rights. I have recently looked over account # XXXX and found some discrepancies fraudulently furnished and erroneously billed. As I just overcome Covid-19 illness, I have contacted US Bank National Association in association with account # XXXX. Not only has US Bank National Association omitted information regarding COVID-19 Cares Act, they discriminated against me without allowing account to be rectified. US Bank National Association has been put on notice XX/XX/2022 via certified tracking mailing United states Postal Service. According to United States Postal Service certified tracking systems, US bank National Association billing department, CFO and CEO, received notice XX/XX/2022 at XXXX ; XXXX, XX/XX/2022 at XXXX at XXXX. Upon receiving my letter of billing error dispute and breach of fiduciary duty for US Bank National Association, their Chief Financial XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX fail to honor my request and send documentary evidence of accounting. Under the Fair Credit Billing Act under section XXXX of XXXX XXXX, I am aware that a creditor must make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor. ( 2 ) any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination. ( US Bank National Association ) has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. It has come to my attention on XXXX that US Bank National Association has willfully engaged in sharing my non-public personal information with the consumer reporting agencies without my lawful consent. This has been proven that US Bank National Association has been unjustly enriched due to undue influence. Every payment made to this account was a result of threat duress and coercion. This fraudulently furnished negative information violates XXXX, FCRA, XXXX, XXXX, the XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX FTC XXXX and XXXX Act. US Bank National Association and the consumer reporting agencies are fraudulently reporting inaccurate information with the intent to defame my financial reputation as well as exhort repayment on extensions of credit. US Bank National Association has reported account # XXXX has been late 90-120 days and that indeed is inaccurate and false. Also I am aware that Pursuant to billing error 15 USC 1666 within 30 days an investigation of dispute should be the required time needed to complete the billing error dispute. This billing error was not resolved and violates the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Us Bank National Association reportedly closed my account on XX/XX/2022 without resolving the billing error dispute. Us Bank National Association conspired with Consumer Reporting agency to conspire and discriminate upon me for exercising my rights. US Bank National Association along with the help of the Consumer Reporting Agencies are knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof. This is a violation of 18 U.S. Code 1028A and 18 U.S. Code 894 and everyone involved shall be held criminally liable for engaging in racketeering activity. I am aware that US Bank National Association reported to consumer reporting agency that account # XXXX was late XXXX days as well as closed my account without notifying me of such information. Under the FCRA, XXXX XXXX XXXX ( d ) ( XXXX ) ( A ) ( i ) states that because information solely as a transaction or experiences between the consumer and the person making the report should be EXCLUDED from a consumer report. XXXX Bank furnished account # XXXX was late XXXX days and that in fact is inaccurate due to the dates that certified tracking mail was sent out. Upon notification of tracking information, it has not been XXXX days since Billing error dispute resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44124
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I went to see about buying a new vehicle. At that point I gave the dealer the authorization to run my credit once to see what I was approved for, but in return they ran my credit with multiple banks and or had the banks run my credit without my authorization. This in turn has given me over 41 hard inquiries on my credit report between XXXX, XXXX XXXX and XXXX which i can not recover from. I would like these hard inquiries removed because they were not authorized by me. From my understanding when you buy a vehicle it is supposed to be counted as 1 single inquiry but in my case it turned into 41. I have not been to 41 dealerships to purchase vehicles. I only own 2 Dates I am disputing will be between XXXX XXXX of 2022
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 970XX
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was having issues with hours during covid and so I opted for a covid plan to not have to make payments until my hardship was over and then I would start making payments again and the amount I owed would be moved to the end of my plan. After my hardship was over, I requested the documents I needed to start marking payments and a notary be sent out to watch and take the paperwork back. I met the notary at work, we signed and they took the documents. Then the notary never sent the documents or something, I have no idea. But I had to request more documents be sent out, because they didn't get them. So we did it again, I met with a different notary, they took the documents and they sent them. This time they said that I signed my name wrong on one of the papers. So they had to send out the documents again, but this time I didn't get them. So after a bit, I got a letter saying my plan was cancelled for something and I would call and say I was waiting on the documents still and then they said they would send them out again. This happened a couple times. Then I got a call saying I couldn't get the Covid plan now, I have to do this other plan. I said I didn't want the other plan, I wanted the Covid one I was told I would get when I signed up for it. And it's been back and forth since.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73160
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: On XX/XX/2022, called US Bank inquire about promotional ExtendPay. The person I had talked could not give specifics on the terms and conditions on the said promotion. For example, for the minimum purchase of {$100.00} how may months is my option to ExtendPay or if I purchase an item, say, {$1200.00} ; what the available options for the extended pay. It the number of months will only be available upon purchase not before any transactions. Also, the US Bank associate said there is no fee but the website tells differently ; Split eligible U.S. Bank credit card purchases into budget-friendly payments with no interest - just a fixed monthly fee. Word monthly fee is not very clear.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: On XX/XX/XXXX I deposited a check of {$5300.00} issued by XXXX for a vehicle I trade in/ sold to them. US bank did not honor not even the {$220.00} and they hold all the funds. I spoke to different agents asking why they were not honoring the funds as it showed on my account the check as deposited and not pending. They couldn't respond to me. I asked multiple times I needed a reason of why they will hold the funds and make an exception with me and not honor any portion of the check or the {$220.00} that usually tha banks does. They said they couldn't tell. They sent me several times to the branch the branch kept saying the hold was not from their end and that US bank reps or fraud department send you to the branch when they don't want to deal with the customer or provide with true information. I explained to US Bank that I needed a valid reason as XXXX was supposed to issued the check over 2 weeks before they did and that I needed the funds asap for a family emergency. On Friday XX/XX/XXXX XXXX at fraud department with US Bank told me that XXXX was holding the funds until XX/XX/XXXX. I went to XXXX on that same Friday and they said the funds were not on hold. I went back on Monday, and XXXX said that their corporate office confirm the funds were released to US Bank on Monday XX/XX/XXXX I called US Bank again, as none of the reps returned my calls as they promised including the branch manager, and they finally admitted the funds were not hold by XXXX but for internal purposes US Bank needed to hold the funds until XX/XX/XXXX and there was nothing they could do to expedite the funds. I explained the purpose of the urge on need of those funds and the rep that assisted me today said unfortunately it is an internal decision and I won't have access to the funds until or after XX/XX/XXXX XXXX XXXX XXXX XXXX @ US Bank XX/XX/XXXX XXXX XXXX US Bank XX/XX/XXXX - No call returned XXXX @ Branch - No call returned She apologize for what her teller stated and she will reach out the Fraud department to find out the reason of the bank holding the funds and will call me back XXXX XXXX US Bank Branch The account is new and the bank needed to build trust on the firsts checks deposits and when the XXXX & XXXX numbers don't want to deal with a client or when they don't know what to say they just keep sending clients to the branch but what they told me is not true. The hold is not coming from the branch and there is nothing they can do. XXXX @ US BANK XXXX - XX/XX/XXXX XXXX is holding the funds and that is why they don't release them XXXX XXXX XXXX Ext XXXX XXXX XXXX US Bank Fraud - She apologize for the inconvenience, the XXXX from XXXX are showing processed but it takes XXXX for US Bank to release the funds to me. She doesn't know why but the release date will remain the same XX/XX/XXXX and there is nothing they can do because the hold it is already on the system XXXX XXXX XXXX Ext XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89052
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: 1 ) US Bank XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX is requiring payment for an insurance lapse XXXX ( {$340.00} ) caused by liquidation of her insurance company XXXX XXXX Insurance effective XX/XX/XXXX XXXX The insured had paid in full for coverage beginning XXXX in good faith and was never notified by XXXX XXXX Insurance or her local insurance agent of this liquidation 2 ) Insured was informed of her lack of coverage from XXXX XXXX Insurance by US Bank on XX/XX/XXXX and immediately secured coverage beginning XX/XX/XXXX that satisfied US Bank . Insured was notified in writing by US bank on XX/XX/XXXX that no further action was required on her part. ( Note : Insured is a XXXX XXXX XXXX widow and her affairs are being handled by her daughter holding a financial power of attorney. 3 ) Insured has been notified by US Bank that a charge of {$340.00} will be added to an escrow account in order to secure coverage ( In arrears ) for the period of XXXX. 4 ) Multiple attempts beginning XX/XX/XXXX to resolve this issue with US Bank via email, phone conversation and writing have been unsuccessful.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30265
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: XX/XX/22 I was called by a US Bank branch manager in another city to inform me that a male tried to cash a fraudulent check that was made out to my name, and fraudulently endorsed by signing my name in the amount of {$3000.00} using my US Bank checking account number, and advised me to go to my local US Bank branch, notify my branch of the Identity Fraud breach, and close my account immediately- which I did within XXXX. - I was told by my local branch consultant my account was closed/locked for further transactions ; and that my balance was transferred to my XXXX Account temporarily, and to come to the branch to setup a new checking acct. XX/XX/22 I filed a Police report on the above event. XX/XX/22 at my US Bank branch appt to set up new checking acct, and then transfer my balance into the new account, the bank consultant reported noticing a {$3200.00} check reversal charge placed by US Bank on my prior " closed '' /frozen account - and discovered that on XX/XX/22 in XXXX XXXX cashed a fraudulent check on my account - and that the banking system had not passed it through until XX/XX/22, but that a reverse charge was placed on my closed/frozen account for {$3200.00}, and a {$19.00} returned check fee, and a {$36.00} overdraft charge on the closed/frozen account XX/XX/22 picked up a copy of the fraudulent {$3200.00} XXXX check from my US Bank branch XX/XX/22 I XXXX XXXX formal paper US Bank fraud report and affidavit to U.S. Bank Claims Services - XXXX XXXX XXXX XXXX as advised by my US Bank consultant XX/XX/22 My wife and I noticed 4 of our personal checks had not reached payees - and my wife remembered mailing all 4 checks at the same time in the Blue Mailbox in front of our local US Postal branch ; also XXXX the local news had just reported that there was an individual using a stolen US Postal Service key to steal mail from the US postal boxes in our county. I notified my local US Bank branch and when I requested cancellation of those four check numbers. I was told that since the account was closed/frozen that the checks would not cash. - also on XX/XX/22 mailed the paper original copies of my US Bank XXXX report and Affidavit and supporting documents to U.S. Bank XXXX XXXX - XXXX Check Claims Dept XX/XX/22 filed Police Report on the 4 checks stolen from the US Postal Service blue mailbox in front of my local XXXX branch XX/XX/22 Called U.S. Bank XXXX, Claims Services - XXXX Check Claims Dept to check on status of my account ; reported the XXXX stolen check information - agent stated it was under review, to call back on XX/XX/22. XX/XX/22 called U. S. Bank XXXX, Claims Services - XXXX XXXX XXXX XXXX to report my branch notifying me of XXXX electronic deposits to my old account that were for my wife 's Social Security and pension payments ; I requested transfer to my new acct ; told this would be under review. XX/XX/22 Sent in additional documentation letter, copies of the XXXX Police Reports, and cancelled copies of the XXXX cancelled stolen checks to U.S. Bank XXXX XXXX - XXXX Check Claims Dept XX/XX/22 called U. S. Bank XXXX, Claims Services - XXXX XXXX XXXX XXXX ; was told still under review, confirmed receipt of all info needed; was told the review would be complete by XX/XX/22, then would need 1-2 wks to resolve my requests XX/XX/22 obtained closed/frozen account transaction register from my US Bank Branch - no further transactions had occurred ; called U. S. Bank Fraud XXXX Claims Services XXXX XXXX Check Claims Dept and was told no further action could be taken on the closed/frozen account until it was formally closed. I explained that I had requested account closure repeatedly at my branch, and via the US Bank XXXX dept line - but the US Bank was holding the acct XXXX due to the negative balance ( which was due to the fraudulent check reversal charge which the investigation was about ). Agent stated she sent a memo to the review agent and he would review this week- asked me to call back at beginning of next week ; agent stated that the fraud review dept was running behind and that it was taking about 6-7 weeks from the initial fraud report to get a conclusion. I Noted that from XX/XX/22 ( formal fax filing ) to XX/XX/22 was XXXX8wks so far and counting .... XX/XX/22 called U. SXXXX Bank XXXX, Claims Services - XXXX XXXX XXXX XXXX ; was told that now my review was still pending, that it could take months or more, but that the hold up was that the account would need to be formally closed prior to further action or review, that once the account is closed it will take another 6-7 weeks to review ; states she saw that the request to close was already in place, that no further info was needed, and was not sure why the investigation could not proceed - states she sent another memo to the fraud review agent to request completion and pointed out all the prior requests, and that it all depended on the US Bank agents to close and complete the review XX/XX/22 after my call, I received a letter on XX/XX/22, dated XX/XX/22, stating that Account Action Required : " due to the fraud against your account ( s ), you are required to take the following action against your account before U.S. Bank can process your claim : Fraud Prevention : Compromised account must be closed and new account opened, or Indemnification Letter must be signed ( if compromised account will not be closed ). Please send email to XXXX when fraud prevention is completed .... Please note that if we do not receive the requested documentation within 30 days of the date of this letter we will consider this matter resolved and your claim will be closed. At that time, any provisional credit to your account as a result of this claim will be revoked. If the reversal of this provisional credit causes the account to become overdrawn, please contact the branch to discuss your options on this account. '' XX/XX/22 I went to my branch to request/confirm closure again and to be paid the remaining $ in my closed/frozen account to my new account ; was told by my branch consultant that she could not effect this due the account being frozen and in process of closure since XX/XX/22 ; I explained the US Bank Fraud team told me that my local branch needs to close the account - my local agent states that she had been told by the US Bank Fraud Dept not to do further action on the account, and actually could not take any action to the to ongoing Fraud investigation and that that account remained " frozen '' and in process of closure - the exact same status it has been since XX/XX/22 I have requested beginning XX/XX/22 to date : 1. Please remove the fraudulent - {$3200.00} XXXX XXXX Items charge from my acct 2. Please remove the Return Check fees {$19.00} XXXX. Please remove the Overdraft fees {$36.00} 4. Please transfer the final {$160.00} residual in my prior acct to my new checking acct ; this amount was to cover a pending payment and my US Bank Branch Consultant recommended it be left in the account but the payment was denied anyway. 5. Please transfer to my new acct the XXXX deposit {$1000.00} from XX/XX/22 6. Please transfer to my new acct the XXXX deposit {$230.00} from XX/XX/22 7. I now ask that you recognize that US Bank has been holding up the closure of the prior frozen/closed checking account and that US Bank is retaining {$1400.00} of my money that should be transferred to my new account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63017
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: Reporting information with actual knowledge of errors a person shall not furnished any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cost to believe that the information is Inaccurate. And 623 subsection ( D ) The term reasonable cause to believe that the information is inaccurate means having specific knowledge other than solely allegations by the consumer that would cause a reasonable person to have substantial doubts about the accuracy of the information. XXXX and US bank violates this section due to the fact an extensive packet was sent to XXXX and an extensive packet was done at a US Bank location which means, they receive this information in real time. This information contain police reports, identity theft reports, federal trade commission reports, and supporting documentation to validate that a unprecedented Fraud situation has occurred. Enough information was provided that a person could reasonably determine inconsistencies and errors that would prompt any reasonable person to not re-report this information. Plus, we can not forget that US Bank sent a letter stating that they did not have this information which means, they acted prematurely in violation of several federal laws. U.S. Bank and XXXX were also provided information from local and federal law-enforcement as well as government agencies stating and certifying that my personal information was being used on a multitude of levels including to file taxes to request government assistance and several attempts were made to obtain a XXXX loan without my knowledge or consent. All paperwork in which this bank ignored. Section 623 Section ( 6 ) ( a ) and ( B ) responsibilities of furniture of information to customer reporting agencies Information alleged to result from identity theft. If it consumer submit an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such report stating that information maintained by such person that reports to relate to the consumer resulted from identity theft, the person may not furnish such information that reports to relate to the consumer to any consumer reporting agency. US Bank failed to review the fraud packets that were done at their branch. US bank reported information without first reviewing the fraud claim. Because of this action, US bank violated this section.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91786
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Hi my name is XXXX XXXX My checking account number is XXXX My Social security number is XXXX My date of birth is XX/XX/1990 My address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX NV XXXX Almost a month ago my Debit card was stollen and I did not recognize till my online banking notification went off a few times I opened my online banking then i saw was almost {$2000.00} out of my account which was not me, so I called bank and let them know. They did not even let me to tell them which transaction or how many they put me out of my online banking. Then the result came after 10 business days and my claim was declined. Today I am writing this letter to you asking for help to get all my money back as soon as possible. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89169
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A